If you have a health plan with a high deductible that qualifies, you can open an HSA.
The maximum contributions for the 2022 tax year are $3,650 for individuals and $7,300 for families.

The maximum amounts for individuals and families in 2023 are $3,850 and $7,750, respectively.

You can contribute an additional $1,000 as a catch-up contribution if you are 55 or older.
There is no use-it-or-lose provision for five HSAs. At the end of the year, the plan can roll over any remaining funds indefinitely.